United Health One in Virginia offers a wide variety of plans to suit every budget and boasts the nation’s largest network (United Healthcare Choice Plus) owned by a single company. The most comprehensive is the Co-pay Select, which is most similar to traditional group health insurance benefits. The plan features fixed co-payments for office visits and prescription drugs, options for lower deductibles, and an option for no annual limit on prescription benefits. United Healthcare Copay Select in Virginia includes the following benefits:
Deductibles – $500, $1000, $1500, $2500, $3500, $5000, $7500, and $10,000 per person, maximum of two deductibles per family. Benefits paid your choice of 70, 80, or 100% after deductible. Higher co-insurance percentages require higher premiums.
Office Visits – $35 co-pay, unlimited visits.
Lifetime Maximum – Unlimited
Preventative Care for Children – 100% before deductible, no waiting periods, co-payments or out of pocket expenses required for covered services.
Preventative Care for Adults and Children age 7 and up – 100% before deductible, no waiting periods, co-payments or out of pocket expenses required for covered services.
Prescription Drugs – Brand name and generic both covered, unlimited benefit (this is a VERY important benefit!). Tier 1 requires a $15 co-pay, Tier 2 a $35 co-pay, Tier 3 a $65 co-pay, and Tier a 25% co-pay. Tiers 2-4 are subject to a $200 per person drug deductible.
Professional & Diagnostic Services – 70, 80, or 100% after deductible
Inpatient Services – 70, 80, or 100% after deductible Overnight hospital or facility stays.
Outpatient Services – 70, 80, or 100% after deductible. Services without overnight stays.
Emergency Room Services – 70, 80, or 100% after deductible.
Maternity – Not covered.
To compare United Health One Copay Select with other plans available from United Health One or other Virginia health insurance companies, please click here or complete the short form below. You can also e-mail us at Info@terminsurancebrokers.com 24 hours a day or call 1-800-571-2980 between the hours of 9 AM and 9 PM eastern time.